Midyear Outlook 2022: Turning volatility into opportunity

Midyear Outlook 2022: Turning volatility into opportunity

Chris Hyzy, Chief Investment officer for Merrill and Bank of America Private Bank sits down with special guest Ian Bremmer, President, Eurasia Group and GZERO Media plus experts from BofA Global Research to discuss what they’re watching for in the second half of the year that could affect the markets and bring potential new opportunities.

Register Today

Midyear Outlook 2022: Turning volatility into opportunity

Midyear Outlook 2022: Turning volatility into opportunity

Chris Hyzy, Chief Investment officer for Merrill and Bank of America Private Bank sits down with special guest Ian Bremmer, President, Eurasia Group and GZERO Media plus experts from BofA Global Research to discuss what they’re watching for in the second half of the year that could affect the markets and bring potential new opportunities.

Register Today

Merrill Lynch

Chayes Hart Castellanos & Associates

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Merrill Lynch
Wealth Management

While performance is always important,
we do not strive to beat the markets.
We are here to help meet clients’ goals.
Welcome

At Chayes Hart Castellanos & Associates, we have addressed the real-world financial challenges of successful people for more than 35 years. Virtually all clients who’ve worked with us are still our clients today. We feel privileged to help them address their financial needs by crafting strategies meant to achieve their desired outcomes with the least amount of risk required to do so.

As a bi-lingual team of experienced professionals, we care deeply about the financial, personal and emotional wellness of our clients. To get a good sense of what’s on their minds, we often meet at their homes and offices. Through our robust planning-based approach, we can appreciate the passions that drive clients, the issues that concern them, and their visions for their future.

Today, we serve an impressive group of individuals and multiple generations of their families in the El Paso area, throughout Texas, and in more than 15 other states. They include active and retired attorneys, physicians, business owners (some with 401k and other retirement plans), young couples, and widows (for whom we extend ourselves in ways that prove helpful during difficult circumstances).

While some clients are nearing or already retired, we also attract a growing number of clients entering their peak earning years – including our clients’ grown children. We find that, similarly to older clients, they value the input of experienced professionals and access to specialists who can handle sophisticated challenges and simplify their obligations. Whether you’re beginning to accumulate wealth or wish to manage it effectively, we look forward to talking with you.

Our Wealth of Experience

A major strength of The Chayes Castellanos Team is our decades of experience serving clients of all ages and stages of their business and personal lives. Today, our clients include single, married, divorced and widowed individuals, as well as families and multiple generations.

If you are seeking greater clarity and value than you enjoyed previously, our seasoned advisors are devoted to providing a more meaningful relationship.

Our experience tells us that our clients:

• Stay with us because we “stay with them.” Our conversations with clients allow us to stay on top of their evolving circumstances. While we ably introduce clients to the firm’s timesaving technology, we believe there’s no substitute for old-fashioned, face-to-face discussions. We are happy to meet with clients wherever it’s most convenient – at their home, office, in town or out of town.

• Trust our longevity and integrity. We believe our friendly, low-key manner puts clients at ease. We also believe that busy people with serious money deserve serious financial advisors. Whether we help a young or retired couple, or conduct a local seminar geared toward women, we work to simplify what is otherwise complex. Clients want a relationship and results from their advisor – not a deluge of facts and figures.

• Appreciate our highly personal, planning-based approach. As “ears-open” advisors, we ask clients, “What’s your greatest financial concern? Who are you responsible for? What do you envision five years from now?” By understanding a client’s goals, we can build a strategy for sustainable retirement income or something entirely different.

• Deserve ready access to the banking resources of Bank of America, N.A. Our strong connections with these specialists allow clients to find appropriate strategies including residential and securities-based lending, equipment financing, and cash management services.

• Have clients' CPAs and attorneys who may need to be involved in aligning tax-minimization and estate planning strategies. On many occasions, we arrange meetings and bring together all decision-makers to coordinate efforts and help optimize results.

Retiring with a Plan

At The Chayes Castellanos Team, we find our insights, knowledge and know-how contribute to our clients’ sense of financial independence and confidence – whether they’re about to retire, already retired, or are young professionals who value the importance of having a long-term strategy in place.

For decades, we’ve been clients’ primary go-to resource on retirement, legacy and longevity planning, and issues related to aging, Social Security, Medicare and insurance. We are proactive in helping clients “see around corners” – so that unlikely circumstances won’t disrupt the integrated financial strategy we’ve crafted on their behalf.

Having worked so closely and for so long with clients at every age and stage of the wealth continuum – we’ve honed a planning-based approach in which ongoing conversations are critical. To promote discussion, we ask open-ended questions about clients’ objectives for themselves and their children – what do they want to accomplish and where do they want their money to go.

In addition to listening, we find it important to educate – to give clients a solid grasp of long-term-care insurance, rising medical costs, and tax-efficient investment, distribution and estate planning strategies. We also urge both spouses to freely express their comfort with investment risk and the lifestyles they envision.

We believe we’re at our best serving clients who want to retire on their terms. It feels good to help these hardworking individuals achieve goals that reflect their core values. From our involvement in their lives, we’ve been introduced to new clients nationwide.

What client can expect

At The Chayes Castellanos Team, we don’t assume anything about you. We ask questions, listen closely and strive to provide practical financial guidance that’s responsive and responsible. We believe anything less is less than you deserve.

As our client, you can expect that we will:

• “Look with you at your financial life, not through you at your assets.” Beyond investments, we will examine your liabilities (including mortgages, other loans and credit card debt), tax liability, insurance coverage, Social Security and long-term-care issues, and estate planning documents.

 

• Devote time to educating you – in ways we believe will be meaningful. This way, you can understand the “what’s, why’s and when’s” of our recommendations. We are here to serve and alleviate your stress – not impress you with what we know.

• Deliver outstanding personal service. Our dynamic team of advisors and support staff averages more than 25 years each, in a business we define as “The Business of You.” Why? Because we want to always do what’s best for you. We are process-driven and client-focused. More important, we take a long-term view that aims to see things from your perspective – and surpass your expectations.

• “Go the extra mile” to prepare you for a world of change, including a new longevity of life. Many people – especially women – are living longer than they expected. That’s why we encourage clients to work with us, to understand the effects of rising health care costs, Social Security, long-term care and Medicare. Being invited to celebrate at their birthdays, anniversaries and weddings tells us that clients appreciate our care and consideration.

• Build an investment portfolio designed to outperform in down markets. We focus on hitting “singles” rather than “swinging for the fences” – with the belief that strong and stable companies with a history of rising dividends should be cornerstones of your customized portfolio. We also assume no more risk than is required to meet your short- and long-term goals.

Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Staying on Track

We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.



Reviews to help you
stay on track

We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.



    Changes in your life
    and to your goals

    Your life and goals change. As these changes occur, we can update your approach to reflect them.

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      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


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      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.



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      Transcript of Video 

      No question too big or moment too small

      For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

      Personalized advice from a dedicated financial advisor.

      We get to know you and your family, your financial situation and what matters most to you.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

      Adjusting your investment approach as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.